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Does Insurance Cover Drug & Alcohol Rehab in Indiana?

Insurance plans originating in Indiana do cover drug and alcohol rehab programs. If you’re struggling with addiction, your policy can help lower your costs and ensure you get the help you need. 

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Most people in Indiana have insurance. Less than 13% of people in the state have no such policy.[1] And more than 52% of Hoosiers have insurance provided by their employers.[2] 

If your boss offers your insurance, you may not know what’s in it or how it works. Boca Recovery Center can untangle the details and ensure you use your policy and maximize your benefits. We also offer scholarships and other options to help put your recovery within reach. Find out more

Insurance Coverage for Drug Rehab at Boca Recovery Center 

Boca Recovery Center works with almost every insurance provider operating within the state of Indiana. No matter who administers your health insurance, we can work with you. 

Major companies we work with include the following:

If you don’t see your health insurance provider on this list, don’t worry. Reach out to Boca Recovery Center with confidence. We work with almost all major providers. 

The fastest way to learn more about what is (and isn’t) covered is to submit your plan information with our simple online form. We’ll call you back with details about your coverage. 

If you’d prefer, contact our intake team directly. We can walk through your policy and explain exactly how your plan works in terms you can understand. 

Verifying Insurance Coverage for Drug & Alcohol Rehab in Florida 

It’s not easy to understand how insurance coverage works, especially when you’re dealing with the stress of addiction. Let the talented admissions team at Boca Recovery Center handle this detail for you. 

We’ll determine what is and what isn’t covered. We’ll also ensure that you maximize your coverage and get the most out of your plan. 

What Types of Insurance Cover Drug & Alcohol Rehab Treatment in Indiana?

Multiple types of health insurance exist, and all of them can help you get the care you need for your addiction. 

The following types of Indiana insurance policies cover drug and alcohol rehab:

  • Employer-sponsored plans: Most Hoosiers have insurance through their jobs. You didn’t pick these plans, but they’re available to you as part of your benefits package. 
  • Private plans: Whether you own a large business or a side hustle, you may purchase your own insurance policy. Many of these plans have extensive coverage for drug and alcohol rehab. 
  • Medicaid: Indiana offers health insurance programs for people who don’t have or can’t afford plans. 
  • Medicare: Older people can get this form of health insurance, and it can help you pay for rehab. 

How Much Does Insurance Cover for Drug & Alcohol Treatment in Indiana? 

Drug and alcohol treatment programs in Indiana consist of various services. The more you need, the higher the cost might be. On average, people pay about $54,000 for rehab.[3] But your cost may be lower or higher. 

Your recovery plan may include these pieces:

  • Medications: Buprenorphine, methadone, and other pharmaceutical solutions can help to ease chemical imbalances and make your recovery easier. Some medications can help you get sober safely without dealing with difficult withdrawal symptoms.
  • Therapy: Counseling sessions can help you build relapse prevention skills, so you can stay sober despite ongoing challenges. 
  • Housing: If your treatment team feels you’ll be safer away from triggers, an inpatient program can help. Food, board, and services are all included in the fees. 

Some insurance policies offer generous coverage for all of these aspects, but others limit your care plan. You may need to move out of inpatient care more quickly if you have a plan like this. 

Boca Recovery Center can help you understand what your plan does and doesn’t cover. And if you’re required to make copayments, you’ll know about those fees before the treatment plan begins. 

What Types of Addiction Treatment Does Health Insurance Cover in Indiana? 

Insurance plans in Indiana can vary widely. Most offer at least some coverage for common elements included in most drug and alcohol rehab programs. 

Your Indiana plan may include coverage for the following types of treatment:

Getting Drug & Alcohol Treatment Without Insurance 

While insurance makes paying for drug and alcohol rehab easier, it’s not possible for some people. If you’re an Indiana resident without insurance, you can still get treatment. 

If you had a job in the recent past, you might have a health savings account (HSA) lingering in your portfolio. An HSA is designed for healthcare expenses, including rehab. The funds you stashed years ago could help you now. 

Some people borrow from friends and family to cover their rehab costs. While it might seem embarrassing to ask for money, it could keep you accountable. If you’re tempted to relapse, you can remember how others invested in you. 

Facilities (including Boca Recovery Center) offer scholarships and payment plans to reduce your overhead and immediate costs. Ask for help when you need it. 

Addiction Treatment Admissions in Indiana 

Addictions are isolating, and it’s common to feel like you’re the only one struggling. Data can help understand how substance abuse touches people all across Indiana. 

The Treatment Episode Data Set from 2020 includes plenty of information about Indiana, including the following:[4]

  • More than 23,000 people 12 and older entered treatment programs for addiction in Indiana. 
  • The majority of people were between the ages of 25 and 34 when they enrolled. But six people were younger than 12 years old when they got treatment. 
  • Methamphetamine was responsible for most addiction treatment admissions (5,796), followed by marijuana (4,361) and heroin (4,076). 

If you need help for addiction, you’re not alone in Indiana. Reach out and get the help you need. 

Updated March 5, 2024
  1. The health care need in Indiana. Indiana Primary Health Care Association. Accessed July 27, 2023.
  2. Indiana health insurance coverage of the total population. Kaiser Family Foundation. Accessed July 27, 2023.
  3. Average cost of drug rehab. National Center for Drug Abuse Statistics. Accessed July 27, 2023.
  4. Treatment Episode Data Set (TEDS) 2020. Department of Health and Human Services. Published 2022. Accessed July 27, 2023.